First time home buyer loans can really help you purchase a house, even if you've been told you're not ready. Despite common beliefs that bad credit, a huge down payment, or the feeling that homeownership is simply not possible means you're shut out, Big Valley Mortgage continues to debunk these myths every day.

Buzz Howard, Senior Vice President of Big Valley Mortgage, has talked about this directly on The Blitz Break. In this clip, he explains why homeownership is more within reach than most people think.

Buzz affirms that he has helped countless people work through all of it. The first step is believing there is a way and finding someone willing to help you find it.

Do I Need Perfect Credit or a Big Down Payment to Get First Time Home Buyer Loans?

You don’t need a perfect credit score or a big down payment to access first time home buyer loans.

According to the Consumer Financial Protection Bureau's 2025 FHA loans guide, FHA loans allow down payments as low as 3.5% and accept lower credit scores than most conventional loans, making them a viable path for borrowers with credit scores below 620 or minimal savings. For borrowers with lower credit scores or a smaller down payment, FHA loans can often be the cheapest option.

Qualifying for a home loan is not as difficult as it may seem. Poor credit doesn't disqualify you. Not having $20K–$30K saved doesn't mean you're stuck renting forever. The right loan program exists for your situation. You just need to know where to look and learn how to get a mortgage that suits you best.

Who is the Best Mortgage Lender in Roseville for First Time Home Buyers?

Big Valley Mortgage is the best mortgage lender in Roseville for first time home buyers because they combine 35+ years of experience (serving borrowers since 1990) with local expertise and a consultant approach that opens doors others close. 

With five California offices, including Roseville, Elk Grove, and Fresno, their team specializes in FHA loans, VA loans, and down payment assistance programs that make homeownership possible for people with credit issue or no down payment savings. Their loan officers act as consultants, taking time to understand your full financial picture rather than dismissing you because of a single number. They know which programs are active in Roseville, which lenders are flexible with first-time buyers, and how to package your application to highlight your strengths.

Find First Time Home Buyer Loans That Fit You

If you've been told you're not ready, or you've convinced yourself you'll never qualify, talk to someone who sees the paths you can't yet see.

Schedule a consultation with the best mortgage lender in Roseville. Contact Big Valley Mortgage today and let's explore the first time home buyer loans that fit your situation. You don't need perfect credit. You don't need a huge down payment. You just need the right partner.